SWP Calculator – Plan Safe Monthly Withdrawals from Your Investments

Estimate how long your corpus lasts, total withdrawn, and inflation-adjusted value. Step-up & frequency options included.

Plan Details

Enter your current corpus and the amount you wish to withdraw regularly. We’ll project sustainability and balances.

Total investment value at start
Amount you’ll withdraw each time
Annualized post-expense return assumption
We also detect if funds run out earlier
How often you withdraw
Optional raise to match income needs
For “real value” of withdrawals

Your Result

Total Withdrawn (Nominal)
₹0
Total Growth Earned
₹0
Corpus Left at End
₹0
Sustainability
—
Download SWP CSV

SWP Projection (Abridged)

First 12 + last 12 rows shown here. Export CSV for the full schedule.

What is an SWP & Why Step-Up?

• SWP (Systematic Withdrawal Plan)

Lets you withdraw a fixed amount at regular intervals (monthly/quarterly) from your mutual-fund investments. Liquidity + discipline = steady cash flow while the remaining corpus continues to stay invested.

• Step-Up SWP

Increases your withdrawal periodically (e.g., 5% every year) to keep pace with rising costs—useful in retirement or when expenses climb over time.

Good to know

  • Each payout is a redemption of units; the rest of the corpus keeps compounding.
  • Longevity depends on returns, withdrawal rate, and inflation—use the calculator to stress-test.
  • You can start, pause, or modify an SWP with most AMCs at any time.

Advantages

  • Regular income without liquidating the entire investment.
  • Compounding continues on the remaining corpus to help offset inflation.
  • Potentially tax-efficient vs. FD interest (capital-gains rules apply).
  • Flexible: change amount, frequency, or pause anytime.
  • Great for retirement cash flow, freelancers, or second-income needs.

Limitations

  • Market returns vary; longevity isn’t guaranteed.
  • High withdrawal rates can deplete corpus early—review yearly.
  • Payouts during drawdowns redeem at low NAV (sequence-of-returns risk).
  • Taxes differ for equity/debt; check AMC & IT rules before large SWPs.

SWP Calculator – FAQs

Is the return guaranteed?
No. SWP results depend on fund performance. The calculator provides projections based on your assumptions.
How is SWP different from dividends or FD interest?
SWP redeems a small number of units each time so the rest of your corpus stays invested and can grow. FD interest is fixed and funds are locked for a term.
What is a safe withdrawal rate?
As a starting band, many retirees test 4%–6% per year (≈0.33%–0.5% monthly). Use our calculator with your return & inflation assumptions to validate longevity.
Should I use Step-Up SWP?
Step-up (e.g., 3–8% yearly) helps maintain lifestyle against inflation but can reduce longevity. Compare results with/without step-up before deciding.
How long will my corpus last?
It depends on corpus size, expected return, withdrawal amount, frequency, and step-ups. The result panel shows whether the corpus sustains the full period or when it exhausts.
What happens if markets fall sharply?
Withdrawals during a drawdown redeem more units (“sequence risk”). Consider balanced asset allocation, lower withdrawal in bad years, or keeping 6–12 months of cash buffer.
Can I change, pause, or stop my SWP?
Yes—most AMCs allow modifications or pauses anytime. Unused corpus stays invested.
How is tax calculated on SWP?
Each payout is treated as a redemption. Capital-gains tax depends on fund type (equity/debt), holding period, and prevailing tax rules. This tool shows pre-tax figures.
Does the calculator adjust for inflation?
Yes—set an inflation rate. We show the approximate real value of total withdrawals so you can judge purchasing power.
Which funds are suitable for SWP?
Many investors use balanced advantage/hybrid or a mix of equity & short-duration debt funds for stability + growth. Choose based on risk profile and horizon.
Can I reinvest SWP proceeds?
Yes. Some park monthly SWP into liquid funds to manage expenses while retaining surplus cash efficiency.
Can I export my SWP schedule?
Use the Download SWP CSV button under results to export the complete projection.